TD survey finds 60 per cent of Canadians are willing to exceed their budget to buy a home

As your biggest financial investment, house hunting should be a rational, logic-driven process. In reality though, buying a house is often an emotional rollercoaster that leads many Canadians to spend more than they can afford – leaving them in financial hot water. A new TD home buying survey reveals that even though some markets across the country are cooling, 60 per cent of respondents would be willing to exceed their budget, with more than half (56 per cent) saying they would go over their budget by up to $50,000.

“Emotions are playing too big of a role in the home buying process and are tempting buyers to spend more than they can afford,” says Roy D’Souza, Associate Vice President, Real Estate Secured Lending at TD Canada Trust. “$50,000 might lose its sticker-shock compared to the overall price of a house, but it’s still a substantial amount of money that could be used to meet other financial needs. Whether you’re moving into your first home or upsizing to something bigger, keeping your feelings in check is critical to making objective decisions that match your short- and long-term financial plans.”

TD’s survey also shows that Canadians are financially overconfident when it comes to purchasing a home. More than half of homebuyers (57 per cent) say they are confident about what they can afford, yet 97 per cent of homeowners admit they wished they had factored in their other financial obligations when determining how much mortgage they could really afford – including property taxes and home maintenance costs (54 per cent), and overall lifestyle expenses (33 per cent).

Appendix Chart – Costs homeowners wished they had factored in before deciding how much mortgage they can afford (CNW Group/TD Canada Trust)

“How you live is just as important as where you live,” says D’Souza. “Owning a home is a lot more expensive than buyers expect. Buyers who don’t account for these extra costs are potentially putting themselves under a lot of financial stress should their circumstances unexpectedly change, and are also risking not having enough money left over to maintain their lifestyle, and continue saving for the future.”

To help inject needed financial reality into the home buying process, TD offers its online Mortgage Affordability Calculator, which uses financial information provided by the potential buyer to help them understand how much home they may be able to afford after monthly expenses, debt payments and savings are accounted for. The Calculator offers a high, medium and low range of affordability options to assist buyers in finding a home that may comfortably fit their budget and lifestyle. It also links to active real estate listings that match the user’s budget and desired neighbourhood from REALTOR.ca and connects them to expert REALTORS®.

Appendix Chart – Top concerns when it comes to buying a home (CNW Group/TD Canada Trust)

“More than a third of homeowners told us they want to calculate their mortgage range themselves – making this tool ideal for potential buyers doing research on their own; helping them assess their financial situation with more accuracy and make better financial decisions for the long-term. Our Calculator frames home searches within realistic parameters by giving homebuyers a high and low benchmark for their budget, and providing real life examples of what home buyers can afford through REALTOR.ca listings,” says D’Souza.

For those dreaming of buying a home, TD offers the following tips to help Canadians make the right move:

Build a buffer before you buy: More than half of those surveyed (58 per cent) say they’re worried that a rise in interest rates will affect their ability to afford a home, while 43 per cent worry about job stability and other personal issues. As much as possible, consider and plan for the unexpected by maintaining a financial buffer of at least three to six months, to help offset the impact of unforeseeable rate changes. Also take the time to learn as much as possible about the best type of mortgage to suit your needs (for example, fixed versus variable interest rates) to ensure you’re making an informed decision that works best for you.

Be honest about your lifestyle: Don’t confuse your budget with the mortgage you qualify for. Consider what your priorities are and get honest about what can you live with, what you can live without, and how your mortgage payments and ongoing home costs will impact your quality of life. Smart prioritizing will reduce the number of financial sacrifices you’ll need to make.

Embrace a homeowner state of mind: If you’re currently renting or living at home, you might not have fully considered the expenses that come with home ownership beyond mortgage payments. From maintenance costs to various types of insurance needs, there are different expenses to factor in when determining how much you can afford. A good idea is to test drive your mortgage by putting aside what you anticipate your mortgage payments and home owning costs will be each month to prove that your budget is sustainable.

About the TD surveyTD commissioned Environics Research Group to conduct an online survey among 2,000 homeowners, non-homeowners, homebuyers and potential buyers from July 28 – August 7, 2017. To qualify for this survey respondents had to be 18 years of age or older and reside in Canada.

About TD Canada TrustTD Canada Trust offers personal and business banking to more than 11.5 million customers. We provide a wide range of products and services from chequing and savings accounts, to credit cards, mortgages and business banking, to credit protection and travel medical insurance, as well as advice on managing everyday finances. TD Canada Trust makes banking comfortable with award-winning service and convenience through 24/7 mobile, internet, telephone and ATM banking, as well as in over 1,100 branches, with convenient hours to serve customers better. For more information, please visit: tdcanadatrust.com. TD Canada Trust is the Canadian retail bank of TD Bank Group, the sixth largest bank in North America. Mutual Funds Representatives with TD Investment Services Inc. distribute mutual funds at TD Canada Trust.

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"Korea, Vietnam, Iraq and Afghanistan. Four wars and the same lesson that General MacArthur was drummed out for trying to get through Truman's thick head, has still gone unlearned."Determining what would have happened in the past under different circumstances is an exercise in futility. Nevertheless, suppose Truman hadn't had a "thick head". Would he have had the gumption to oppose his military and diplomats in 1948 and grant recognition to Israel?

Students who major in the physical sciences or math or accounting/finance will have a better chance of a better paying job than humanities or arts majors even if the arts major went to a more expensive schoolquantitative or technical fields arealso far easier for males to get jobss or promotions in as hr and marketing and management are in this day and age almost exclusively female

No bullies allowed in my playground – and none in yours! Otherwise, the hall monitor may have to grasp them by the ears and drag them sniveling into the principal’s office… while we sit in the grass and play….

– That bacon was sooo delicious. I’m so happy you captured my sister’s wedding day…I can’t think of anyone else who we would have rather had there documenting and celebrating with us. You are a talent, Kat!

Oh my word, yes. I cannot think of a sensible reason not to. As well as key staff, Board members as needed and senior Lay volunteers (especially Finance Committee/Stewardship members). For our organizations to be successful, we need to give our paid and volunteer staffs as many tools as possible and remove as many unnecessary restrictions as possible. I do believe that beyond this inner circle, we should be extremely discreet regarding actual giving levels and focus more on levels of commitment so as not to send unintended economic class messages in public.

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I teach at a university in Louisiana. We learn whether our courses have made about one week before the students arrive each semester, so yes, sometimes I prepare and don’t get to use the preparation that semester.

Well if it makes you feel any better I think I should’ve had my kid when I was younger! heh! I don’t think there is any easy age for being a parent…the wonderful moments just get you thru the challenges.Couple comments since I am catching up…Jaiden’s singing was ADORABLE!! And that is awesome that you are doing stories on the troops!

ANPC is a free nation for and by the living men and women of the earth. This Private Nation is a grassroots association based out of Indonesia having its own International Charter, Peace Treaty, Constitution, Rules of conduct and has adopted the Declaration of Human Rights. These Treaties have been Registered by International Notice to the Hague and World Court as well as other agencies worldwide. The entire goal and mission of ANPC is WORLD PEACE and freedom for all the nationals of the world, focusing on a peaceful gathering together of all tribes and nations. Our living men and women are to live as Peaceful Inhabitants on the land, striving always to create a better world today and for future generations.

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Higher than most? That’s true for the yen and the likes but when you consider the near worthless value the yen used to have and its current value it is phenomenal. I’m British and I know that our economy is in dire straights and yet the pound is still far more valuable than the dolar. I mean we’re still in recession and we’re better off than the dollar. Face it both of our currencies are being destroyed to pave the way for a single world currency and eventually a one world government.

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Here is the ultimate test I want any of you to take:It is late at night. You wake up with severe abdominal pain. You go to the ER. The general surgeon on call is going to examine you for an acute abdomen.Would you rather your surgeon be:a. An American MD gradb. a Carib gradc. it just doesn’t matter

tribe. Whites have given up ground every year for at least 70 years, mostly from believing in part-time conservatives such as Buckley, Reagan, Insanity, and Limbaugh. Until they break that lazy habit, it's all just methane gas.

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I'm also trying it for the first time today. I realized as I was trimming some fat that I have a boneless roast. Hopefully that means I just don't have to pick bones out later, and it won't affect the recipe much. It's also smaller (weight-wise), but there's no bone weight. I used the same amount of liquid, so it's really swimming in there!

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Jonah………….. In the eyes of the DC SLIME the Chicago BULLSH#T might well be the law of the land. But that is where it ends,in Chicago! There are a few PEOPLE who live other places than in Chicago who are not going to allow the Chicago type BS to be RAMMED DOWN THEIR THROATS. Hopefully about 20,000,000 people will become a BAND OF BROTHERS and then CLEAN HOUSE wherever they find an accumulation of CHICAGO TYPE TRASH, AND HUMAN GARBAGE TRYING TO IMPOSE THE “CHICAGO LAW”.

BEETHOVEN. Any time you need a Beethovenswoon, I'm in.My Miss Spitfire playlist consisted entirely of:Sonata #14 in C sharp minor (Moonlight)Sonata #4 in C (Waldstein)Sonata #21 in C minor (Pathetique)I've never even heard #23 before today, but it took me straight back to Annie and Helen. Boom.

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Lydia – I can’t believe it has taken me nearly a year for me to get the hang of cooking with them! Better late than never, and it’ll hopefully be smooth sailing for me and these scallops from here on out. Elizabeth – Ha ha! I’ll admit that made me laugh out loud (I also found myself totally charmed by Fabio). I think the poaching really enhanced the creaminess of the scallops, and let their flavor and texture really shine through. I’m looking forward to oil-poaching again and trying out different sides and sauces with them. The possibilities are endless!

I’m surprised by this review. It contains quite a bit of unnecessary Bible eroticism (complete with references) that some could find triggering. Additionally, to say that the Bible is silent on masturbation is a little off the mark, isn’t it? I thought Jesus taught that to look at a woman with lust in our hearts was sinful. Since masturbation is fueled by lust, it’s a stretch to say the Bible is silent on the subject.

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, “He can’t gain any weight.” I responded, “But he runs like 5 days a week!” The vet said, he can run all day but he’s eating too much.Touche.I’m swearing it off completely temporarily and then I’ll let the fun back in, in moderation. Meanwhile, I’m miserable.

Debbie I have tried to make certain albums private too, Fiona – there is even an ‘edit album privacy’ button on individual photos, but this only allows you to edit the text, not the privacy! Really annoying as I wanted to create a private album for a competition and didn’t want to publish it till all entries were submitted, but it seems all business page photographs have to be ‘public’, grrrr

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Phew, that was a marathon. I can normally rattle off 2*’s which makes me think that 3*’s would be nearer the mark. However, I couldn’t have finished with using Gazzas’ hints a great deal, for which, thanks to Gazza, and Giovanni for setting the challenge. I did think that 2d was a bit odd!

feel sorry too, but Ronaldo has done the maximum he could with his career considering the injuries.He was accused as a bad trainer, but it is my belief that in order to keep himself fit he has to lower the intensity during the week.Yet, the experience watching him is nothing like any other player.

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Susan makes a very good point. Violence is being taken waaaaay too much for granted nowadays, and is out of control Gone are the days when a murder or rape was big news. Now, it’s commonplace, and only has headlines for as long as it takes the next case to come along. Rather than put this man on a pedestal, we should (particularly for our children) note that he did his job as a father, and pray for his release from his own torment.

All of the above, particularly Ananya, and I’m right back at my first school dances, aged 12-13, reeking of far too much pong (it’s outrageous to call it scent really). Makes me feel teenage awkward just thinking about it. Nostalgic though.Clinique Happy is a little bit older/wiser (doubtful…), maybe my later teenage years. Now the smell of it makes me feel queasy. Always wanted Romance by Ralph Lauren – best girlfriend had it, but it was too expensive for me to buy…

I am a believer. I have found that, like .de and .fr, etc, if a .US domain is registered and hosted within the US, it is as likely to rank well as a dot com. However, since .com is much older, and domain age is a ranking factor, it will be some time before the playing field becomes level and this equivalence to become more apparent. Maui.USMuMu.USPortableAirConditioners.USOthers….

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